Handbook of Competition in Banking and Finance
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Handbook of Competition in Banking and Finance

Edited by Jacob A. Bikker and Laura Spierdijk

For academics, regulators and policymaker alike, it is crucial to measure financial sector competition by means of reliable, well-established methods. However, this is easier said than done. The goal of this Handbook is to provide a collection of state-of-the-art chapters to address this issue. The book consists of four parts, the first of which discusses the characteristics of various measures of financial sector competition. The second part includes several empirical studies on the level of, and trends in, competition across countries. The third part deals with the spillovers of market power to other sectors and the economy as a whole. Finally, the fourth part considers competition in banking submarkets and subsectors.
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Chapter 17: Competition and contestability in bank retail markets

Reint Gropp and Christoffer Kok


In this chapter the authors build on earlier work by Corvoisier and Gropp (2009) and examine the role of internet banking in retail banking competition. They focus on European banks for the period 2002–15. Building on the idea of contestable markets, they show that internet banking has overall increased competition through contestability of markets. The effect is stronger for retail deposits, but recently consumer loans have shown an effect. The authors attribute this finding to the advent of FinTechs. The findings support the use of non-concentration-based measures in banking in research.

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